since 11/2000
Company Platinum - health plan for employees in Latin America and the Caribbean
www.e-healthinsuranceservices.com
International Travel Insurance - Policy wording:
For residents of all countries outside the UK, USA and Canada
Main terms and conditions ( BUPA travel insurance )
Policy information
Words with special meanings
This part of the policy sets out the words which have a special meaning. Each word is listed with the meaning explained below it. Whenever a word with special meaning appears it will be printed in bold type.
| Abroad | Outside the country of departure |
| Close relative | Your spouse, partner (with whom you have lived for 6 months or more), mother, father, mother-in-law, father-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandparent, grandchild or the fiancé(e) of a person insured under this policy |
| Country of departure | The country in which the person insured under this policy is resident |
| Excess | The first £50 of each claim, for each person insured under
this policy which you must pay, for every incident, under each
section of cover you claim.
If your claim would normally be settled under your current BUPA health care policy, we will not deduct the excess from those parts of your claim which are settled under your health care policy. |
| Family | You, your husband, wife or partner (with whom you have lived for 6 months or more) and your or their children (including foster children) who are under 18 years old, in full time education and who normally live with you |
| Home | The place where you live in the country of departure |
| Insurance period | The period to which the insurance applies. This is shown in your
schedule.
Extension to the insurance period: If your return journey from abroad is unavoidably delayed because of something which is covered under your policy, we will automatically extend your cover for the period of the delay at no additional cost |
| Legal proceedings | Legal action to protect your rights in a dispute |
| Limits of cover | The most we will pay in any insurance period for each person insured under this policy is the amount shown under each section of cover. |
| Loss of limb | In the case of an upper limb:
* an entire hand or arm being permanently severed: In the case of a lower limb: * the limb being severed permanently at or above the ankle |
| Manual work | Hands-on work as a plumber, electrician, lighting or sound technician, carpenter, painter / decorator or builder, or which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant or manual labour of any kind or working in a hazardous location. Manual work does not include work of a purely managerial, supervisory, sales or administrative nature or any work in the catering industry |
| Medical emergency | A bodily injury or sudden and unforeseen illness suffered by you while you are on a trip abroad and a recognised medical practitioner tells you that you need immediate in-patient or out-patient treatment |
| Medical practitioner | A person who is qualified and recognised as such by the relevant authority in that country, other than you or a close relative |
| Money | Sterling coins and banknotes, foreign currency, travellers
cheques, travel tickets, hotel and other holiday vouchers which can be
converted into cash or replaced, petrol coupons, Green Card, passports and
the wallet, purse or similar article in which money is normally
carried. If you have chosen Ski TravelCover, Premier Annual TravelCover or Gold Annual TravelCover the special meaning of the word money also includes your ski pass. |
| Pair or set | Items of personal baggage which form part of a set or suite |
| Permanent total disablement | Disability which prevents you from doing any work of any kind which, after 12 months, is beyond reasonable hope of any improvement |
| Personal baggage | Clothing and personal effects (including valuables),
suitcases (or similar luggage carriers) taken on or purchased on a trip
by an insured person for their individual use during the trip. If you have chosen Ski TravelCover, Premier Annual TravelCover or Gold Annual TravelCover the special meaning of the words personal baggage also include skis and ski equipment owned or hired by you. Important: Please also see personal baggage exclusions |
| Pre-existing medical condition | Any medical condition:
* which is ongoing, or any medical complication which is directly attributable to that condition, or * for which there has been prescribed treatment or medication during the 12 months prior to your application for or renewal of this policy |
| Representative | The solicitor or other suitably qualified person appointed to act for you |
| Secure area | The fixed storage units of a motorised or towed caravan. A
locked luggage box which is locked to a roof rack which is locked to the
roof of a motor vehicle. A locked dashboard, boot or luggage compartment
of a motor vehicle which includes:
* the locked luggage compartment of a hatchback motor vehicle which is fitted with a lid which closes off the luggage area: * an estate car which is fitted with a tray or roller blind cover behind the rear seats which is properly engaged |
| Strike or industrial action | Any form of industrial action which is carried out with the intention of stopping, restricting or interfering with the production of goods or providing services |
| Treatment | Any type of surgical or medical procedure which is carried out solely to cure or relieve an acute illness or injury |
| Trip | A pre-booked journey within the geographical limits shown on your schedule which starts and ends in the country of departure |
| Valuables | Watches, furs, binoculars, telescopes, audio or video or photographic or computer equipment and other related accessories, jewellry, precious metals or stones or items made from precious metals or stones, personal organisers or mobile phones |
| We, us, our | Royal & Sun Alliance Insurance plc. Registered in
England and Wales: Registered office St Mark's Court, Chart Waym Horsham,
West Sussex RH12 1XL. Registration No. 93792. Members of the General
Insurance Standards Council.
The following definition applies to section 5 Legal Protection only We, us, our FirstAssist Group Limited, on behalf of the Insurer, Royal & Sun Alliance Insurance plc |
| You / your | The person(s) named on your schedule who live outside the United States of America, Canada or the United Kingdom and at the start of the insurance period are all under 79 years old (unless otherwise accepted) and for whom the appropriate premium has been paid |